Chase Sapphire Reserve: What Emily Learned From Her Banker

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Chase Sapphire Reserve: What Emily Learned From Her Banker

Million Mile SecretsChase Sapphire Reserve: What Emily Learned From Her BankerMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers.

This week, Emily spoke with her Chase banker to ask about the Chase Sapphire Reserve.  Her banker said most Chase branches have been swamped with folks looking to apply for the card.  And that Chase is surprised by the overwhelming demand!

I understand why folks are so excited about the Chase Sapphire Reserve’s 100,000 point sign-up bonus offer!  Because it’s the highest public sign-up bonus I’ve ever seen on a card that earns valuable Chase Ultimate Rewards points!

Chase Sapphire Reserve In-Branch
Use 100,000 Chase Ultimate Rewards Points From the Sapphire Reserve Sign-Up Bonus for Big Travel! You Could Transfer Points to Hyatt for Free Nights at Hotels Like the Park Hyatt Sydney

I’ll share what else Emily learned about the Chase Sapphire Reserve In-Branch

Applying for Chase Sapphire Reserve In-Branch Could Help Your Approval Odds

Link:   Chase Sapphire Reserve

Link:   Chase Branch Locator

Chase has thousands of branches throughout the US.  And many of their bankers are extremely helpful!

Emily’s chat with her Chase banker indicated applying for the Chase Sapphire Reserve at a local branch might help your odds of getting approved.  This is especially true for folks affected by Chase’s tighter application rules who’ve opened 5 or more credit cards in the past 24 months.

That’s because Chase’s system in-branch flags certain folks for credit card pre-approval.  

While it’s NOT guaranteed you’ll automatically get a card with a pre-approval, the bankers at Chase hint there’s a higher probability.  Unfortunately, there’s no way of knowing how Chase decides which folks are pre-approved.

Chase Sapphire Reserve In-Branch
If You’ve Had Lots of Credit Cards in the Past 24 Months, Applying for the Chase Sapphire Reserve In a Branch Could Increase Your Chances of Approval

If you haven’t had lots of cards recently, Chase has the same requirements online and in-branch to review applications for the Sapphire Reserve.  Having Private Client Status can help overcome of the criteria. 🙂  Your application will be based on:

If you’re not approved for the card online or in branch, it’s possible your Chase banker can contact the reconsideration department on your behalf.  But I can’t promise this will get you approved.

So Popular, They Ran Out!

Because of the unexpected demand for the Chase Sapphire Reserve, Emily’s banker said there’s a 3-week back log on getting the cards delivered once you’re approved.  The card has the same metal material as the Chase Sapphire Preferred and Chase didn’t have enough metal cards in stock to print them!

I don’t know if this is true or not.  But now you know the gossip. 🙂

Given the demand, I’m curious to see how long Chase will offer the 100,000 Chase Ultimate Rewards point sign-up bonus.  Chase didn’t put a deadline on the current offer.

We’ve seen other premium cards like Citi Prestige and AMEX Platinum offer higher sign-up bonuses, but only for a limited time.  Or on a targeted basis.

I hope the current Chase Sapphire Reserve offer lasts.  Because it’s the most exciting card to come around in a long time!

Bottom Line

The demand for the Chase Sapphire Reserve has been off the charts!  There’s even a delay in getting the cards shipped once you’re approved.

If you’ve had lots of new credit cards in the past 24 months, you might have a better chance getting approved for the Chase Sapphire Reserve in-branch.  Because sometimes there’s a pre-approval notated on your account.  Or a Chase banker could help you contact the reconsideration department.

Did you apply for the Chase Sapphire Reserve online or in-branch?  I’d love to hear about your experience!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

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@Mark Seelig – Instead of closing your Chase Sapphire Preferred account, you might consider asking Chase if you can move some of the credit limit to the Chase Sapphire Reserve card when you re-apply.

@Chase – Congrats on getting the card! Thanks for sharing your data point!

Applied online on 9/20/16 and was instantly approved for $20.7k CL

Credit Score: 750

Income: $70k

Current Cards (CL): Chase Freedom ($10k) & Wells Fargo ($6k)

It is true about having to wait for the cards. I called to see if they could expedite my card since I have a trip I wanted to book, but they will not rush deliver anyone and they are still out of the metal cards. I was told that once the metal is back in stock, they will be sending out new cards to people who got plastic.


Thanks very much for your blog.

I am curious about your and anyone’s input on the following re denied application for the CSR card:

Denied due to 9/24. Credit score 765. Income 120K.

Already have CSP, Mileage Explorer, and Freedom by Chase.

Will drop to 4/24 by Jan 2017. Will re-apply for CSR then.


Any insight whether closing the CSP (with a 50K credit line) would be an advantage?

Thanks – Mark

I applied for my Chase Sapphire Reserve @ 5:00PM 8/31/2016 at my local Chase branch. UPS delivered it 2 days later, on 09/02/2016. It is the temporary plastic card, but why is everyone talking 3 weeks to get your card.

Received my card today after applying online a few days ago shipped overnight. It’s plastic. I guess they did run out of the metal stock. Oh well.

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